Chime Financial (CHYM)


Market Price (11/11/2026): $32.535 | Market Cap: $12.5 BilSector: Information Technology | Industry: Application Software

Chime Financial (CHYM)


Market Price (11/11/2026): $32.535
Market Cap: $12.5 Bil
Sector: Information Technology
Industry: Application Software

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 17%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Weak multi-year price returns
2Y Excs Rtn is -43%, 3Y Excs Rtn is -86%

Expensive valuation multiples
P/EBITPrice/EBIT or Price/(Operating Income) ratio is 258x, P/EPrice/Earnings or Price/(Net Income) is 154x

Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 10%

Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -4.6%

Key risks
CHYM key risks include [1] a substantial reliance on regulated interchange fees as its primary revenue stream, Show more.

0 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 17%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16%
1 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
2 Weak multi-year price returns
2Y Excs Rtn is -43%, 3Y Excs Rtn is -86%
3 Expensive valuation multiples
P/EBITPrice/EBIT or Price/(Operating Income) ratio is 258x, P/EPrice/Earnings or Price/(Net Income) is 154x
4 Significant share based compensation
SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 10%
5 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -4.6%
6 Key risks
CHYM key risks include [1] a substantial reliance on regulated interchange fees as its primary revenue stream, Show more.

CHYM in ETFs

Weight = CHYM's share of each fund

VTI0.01%
ITOT0.01%
IWB0.01%
VB0.09%
VBK0.20%
SCHA0.17%
SCHM0.15%
IWS0.08%
+12 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Prices as of 11/10/2026

Nov 4: up 5.9% in one day (S&P 500 up 1.7%)
Chime rose after reporting its third quarter earnings beat estimates with $0.15 per share and raising its annual revenue forecast. The positive company news outpaced a generally green market, which was up for the day.

Up 110.2% from its Jun 10 low to Sep 9, down 5.8% since (S&P 500 up 5.4%)
The stock surged over this period driven by robust demand and rising revenue forecasts, significantly outperforming the broader market. This run included a major jump on August 6 after Chime lifted its 2026 revenue forecast and reported strong demand.

Nov 5: up 1.0% the day after its Nov 4 earnings report (S&P 500 down 4.4%)
Chime's stock rose modestly after its third quarter earnings showed revenue growth of 32% and diluted EPS up 173%, along with a raised forecast. This gain occurred as the broader market declined significantly by 4.4% that day.

Show more
Prices as of 11/10/2026

Nov 4: up 5.9% in one day (S&P 500 up 1.7%)
Chime rose after reporting its third quarter earnings beat estimates with $0.15 per share and raising its annual revenue forecast. The positive company news outpaced a generally green market, which was up for the day.

Up 110.2% from its Jun 10 low to Sep 9, down 5.8% since (S&P 500 up 5.4%)
The stock surged over this period driven by robust demand and rising revenue forecasts, significantly outperforming the broader market. This run included a major jump on August 6 after Chime lifted its 2026 revenue forecast and reported strong demand.

Nov 5: up 1.0% the day after its Nov 4 earnings report (S&P 500 down 4.4%)
Chime's stock rose modestly after its third quarter earnings showed revenue growth of 32% and diluted EPS up 173%, along with a raised forecast. This gain occurred as the broader market declined significantly by 4.4% that day.

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Stock Movement Drivers

Fundamental Drivers

The 41.5% change in CHYM stock from 7/31/2026 to 11/10/2026 was primarily driven by a 24.2% change in the company's P/S Multiple.
(LTM values as of)731202611102026Change
Stock Price ($)22.9932.5441.5%
Change Contribution By: 
Total Revenues ($ Mil)2,3152,63213.7%
P/S Multiple3.84.724.2%
Shares Outstanding (Mil)3823810.3%
Cumulative Contribution41.5%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/10/2026
ReturnCorrelation
CHYM41.5% 
Market (SPY)0.4%20.7%
Sector (XLK)-3.7%3.9%

Fundamental Drivers

The 48.9% change in CHYM stock from 4/30/2026 to 11/10/2026 was primarily driven by a 23.9% change in the company's P/S Multiple.
(LTM values as of)430202611102026Change
Stock Price ($)21.8632.5448.9%
Change Contribution By: 
Total Revenues ($ Mil)2,1872,63220.3%
P/S Multiple3.84.723.9%
Shares Outstanding (Mil)380381-0.2%
Cumulative Contribution48.9%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/10/2026
ReturnCorrelation
CHYM48.9% 
Market (SPY)4.6%28.7%
Sector (XLK)6.0%13.6%

Fundamental Drivers

The 89.5% change in CHYM stock from 10/31/2025 to 11/10/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
(LTM values as of)1031202511102026Change
Stock Price ($)17.1732.5489.5%
Change Contribution By: 
Total Revenues ($ Mil)�2,6320.0%
Net Income Margin (%)�3.0%0.0%
P/E Multiple�154.40.0%
Shares Outstanding (Mil)336381-11.6%
Cumulative Contribution0.0%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/10/2026
ReturnCorrelation
CHYM89.5% 
Market (SPY)10.9%39.9%
Sector (XLK)12.8%27.1%

Fundamental Drivers

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Market Drivers

10/31/2023 to 11/10/2026
ReturnCorrelation
CHYM  
Market (SPY)85.5%39.0%
Sector (XLK)109.6%26.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CHYM Return-----32%29%-12%
Peers Return9%-54%50%66%62%-19%65%
S&P 500 Return27%-19%24%23%16%10%101%

Monthly Win Rates [3]
CHYM Win Rate----29%64% 
Peers Win Rate50%37%55%58%63%38% 
S&P 500 Win Rate75%42%67%75%67%36% 

Max Drawdowns [4]
CHYM Max Drawdown------41% 
Peers Max Drawdown-32%-60%-38%-25%-37%-38% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: SOFI, PYPL, ALLY, COF, HOOD.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/10/2026 (YTD)

How Low Can It Go

CHYM has limited trading history. Below is the Information Technology sector ETF (XLK) in its place.

EventXLKS&P 500
2025 US Tariff Shock
  % Loss-25.7%-18.8%
  % Gain to Breakeven34.5%23.1%
  Time to Breakeven65 days79 days
2024 Yen Carry Trade Unwind
  % Loss-17.0%-7.8%
  % Gain to Breakeven20.4%8.5%
  Time to Breakeven92 days18 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-10.0%-9.5%
  % Gain to Breakeven11.2%10.5%
  Time to Breakeven15 days24 days
2022 Inflation Shock & Fed Tightening
  % Loss-33.1%-24.5%
  % Gain to Breakeven49.5%32.4%
  Time to Breakeven246 days427 days
2020 COVID-19 Crash
  % Loss-31.2%-33.7%
  % Gain to Breakeven45.2%50.9%
  Time to Breakeven78 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-23.8%-19.2%
  % Gain to Breakeven31.2%23.8%
  Time to Breakeven100 days105 days

Compare to SOFI, PYPL, ALLY, COF, HOOD

In The Past

State Street Technology Select Sector SPDR ETF's stock fell -25.7% during the 2025 US Tariff Shock. Such a loss loss requires a 34.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

CHYM has limited trading history. Below is the Information Technology sector ETF (XLK) in its place.

EventXLKS&P 500
2025 US Tariff Shock
  % Loss-25.7%-18.8%
  % Gain to Breakeven34.5%23.1%
  Time to Breakeven65 days79 days
2022 Inflation Shock & Fed Tightening
  % Loss-33.1%-24.5%
  % Gain to Breakeven49.5%32.4%
  Time to Breakeven246 days427 days
2020 COVID-19 Crash
  % Loss-31.2%-33.7%
  % Gain to Breakeven45.2%50.9%
  Time to Breakeven78 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-23.8%-19.2%
  % Gain to Breakeven31.2%23.8%
  Time to Breakeven100 days105 days
2008-2009 Global Financial Crisis
  % Loss-51.5%-53.4%
  % Gain to Breakeven106.2%114.4%
  Time to Breakeven797 days1085 days

Compare to SOFI, PYPL, ALLY, COF, HOOD

In The Past

State Street Technology Select Sector SPDR ETF's stock fell -25.7% during the 2025 US Tariff Shock. Such a loss loss requires a 34.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Chime Financial (CHYM)

Chime Financial (CHYM) is a financial technology company focused on empowering everyday Americans, particularly those earning up to $100,000 annually, to make progress in their financial lives. The company distinguishes itself from traditional banks by operating on a foundation of trust, eschewing punitive fees, and providing easy-to-use financial products through direct relationships with FDIC-insured bank partners. Chime serves as the central financial hub for 8.6 million active members, with a significant majority utilizing the platform as their primary financial relationship for direct deposits and daily spending.

The company offers a comprehensive suite of digital-first products designed to address critical financial needs, including spending, saving, accessing liquidity, and building credit. Key offerings encompass Chime-branded debit and credit cards for everyday transactions, alongside features for savings and convenient access to short-term credit products. Chime's proprietary technology platform and digital-first approach grant it a substantial cost-to-serve advantage and greater innovation velocity compared to legacy financial institutions.

Chime's business model is payments-based and aligns with its members' interests, primarily generating revenue from interchange fees paid via card networks when members use their Chime-branded debit or credit cards, rather than through direct member fees. This model, coupled with high member engagement and consistent paycheck deposits, provides a robust foundation for the business. This structural advantage enables Chime to offer innovative, low-cost financial services and positions it as a leading brand for individuals seeking new or improved direct deposit relationships.

AI Analysis | Feedback

Here are 1-2 brief analogies for Chime Financial (CHYM):

  • Chime is like the Robinhood of banking for everyday Americans.
  • Chime is like the Amazon for everyday people's financial needs.

AI Analysis | Feedback

  • Spending Accounts: Services enabling everyday transactions and purchases using Chime-branded debit cards.
  • Savings Accounts: Services designed to help members save money through integrated savings features.
  • Credit Builder Services: Products, including Chime-branded credit cards, that assist members in building or improving their credit scores.
  • Liquidity & Advance Services: Provides members with access to valuable short-term funds and advances.

AI Analysis | Feedback

Chime Financial (CHYM)

Chime Financial primarily serves individuals. Based on the provided description, its major customer categories include:
  • Underserved Everyday Americans: Individuals who are part of the 75% of the adult population earning up to $100,000 annually and have historically struggled with traditional bank relationships that are not aligned with their best interests. Chime aims to provide financial services to this segment, which often seeks alternatives to punitive fees and complex fine print.
  • Individuals Seeking a Primary Financial Relationship: Members who utilize Chime as their central financial hub, consistently depositing paychecks and conducting everyday spending. This category includes individuals for whom Chime serves as their main checking and spending account, characterized by frequent transactions and qualifying direct deposits.
  • Consumers Prioritizing Free or Low-Cost, Innovative Digital Banking and Access to Liquidity: Customers attracted to Chime's digital-first approach, which offers free or low-cost products, avoids punitive fees, and provides access to valuable, short-term credit and liquidity solutions. These individuals are looking for modern, member-aligned financial services with a focus on ease of use and innovation.

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Chris Britt, CEO & Co-Founder

Chris Britt co-founded Chime in 2012, launching the company in 2014. Before Chime, he held several leadership roles in the financial and technology sectors. He served as Chief Product Officer and Senior Vice President of Corporate Development at Green Dot, and held senior product leadership positions at Visa and ComScore. At Green Dot, he was instrumental in developing and growing the prepaid debit card market. His early career included work as a management strategy consultant at Accenture. Britt also founded and serves on the Board of the Chime Scholars Foundation.

Matt Newcomb, Chief Financial Officer

Matt Newcomb joined Chime in 2016. Prior to Chime, he was a startup founder, co-founding DigiPuppets LLC, an EdTech company that was later wound down. He also served as a Vice President at BlackRock in both their Financial Markets Advisory practice and Portfolio Analytics group, where he advised major financial institutions during the Great Recession.

Ryan King, Co-Founder

Ryan King co-founded Chime in 2012 alongside Chris Britt. Before Chime, he was the Vice President of Engineering at Plaxo until its acquisition by Comcast Interactive Media. His experience also includes senior engineering roles at Comcast Silicon Valley Innovation Center, where he served as Chief Technology Officer and Vice President, as well as positions at Liberate Technologies and Microsoft.

Mark Troughton, President

Mark Troughton serves as Chime's President, overseeing product, operations, risk, corporate development, and strategy. Prior to his role at Chime, he was the President of Ring.com, guiding the company through its acquisition by Amazon. He has also held leadership positions at Whisper, Wonga.com, and in Cards & Network at Green Dot Corporation.

Janelle Sallenave, Chief Operating Officer

Janelle Sallenave was promoted to Chief Operating Officer in December 2025. She previously served as Chime's Chief Experience Officer, a role in which she was responsible for transforming the company's member service and operations. Under her leadership, Chime integrated AI into its member support channels, leading to over 70% of member support interactions being handled by AI and automation.

AI Analysis | Feedback

Key Risks to Chime Financial (CHYM):

  1. Chime Financial is highly dependent on its relationships with FDIC-insured bank partners to deliver its products and services. The company also primarily generates revenue when members spend using Chime-branded debit or credit cards, based on fees paid via the card networks. Any disruption to these critical partnerships or changes in the fee structures from card networks could significantly impact Chime's operations and financial performance.

  2. Operating in the financial services industry, Chime Financial is subject to a complex and evolving regulatory environment, particularly as it delivers products addressing spending, saving, accessing liquidity, and building credit. Changes in financial regulations, consumer protection laws, or rules governing payment networks and short-term credit products could necessitate significant operational adjustments, impact its business model, or lead to increased compliance costs and potential penalties.

  3. Chime Financial's target demographic includes "everyday people" earning up to $100,000 annually, with a business model that relies heavily on member spending through transactions. This makes the company susceptible to adverse economic conditions, which could lead to reduced consumer spending, directly impacting its transaction-based revenue. Furthermore, economic downturns could also increase credit risk associated with the short-term credit and liquidity products Chime offers to its members.

AI Analysis | Feedback

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AI Analysis | Feedback

Chime Financial (symbol: CHYM) operates within several large addressable markets in the United States, focusing on everyday people for their financial needs. The addressable markets for Chime Financial's main products and services in the U.S. are as follows:

Digital Banking Services (Primary Financial Relationships, Spending, Saving)

  • The U.S. digital banking market encompassed approximately 130.4 million active users in 2024, with projections indicating growth to around 150 million users by 2032.
  • In terms of revenue, the overall U.S. retail banking market was valued at an estimated $870 billion in 2025. Digital channels, which represent Chime's primary mode of operation, constituted a 58.10% share of this market in 2025, implying an addressable digital retail banking market of approximately $505.47 billion. The total U.S. retail banking market is expected to reach $1,112.2 billion by 2031.

Unbanked and Underbanked Population

  • As of 2023, approximately 5.6 million adults in the U.S. (4.2% of adults) were unbanked, indicating they lacked a bank account.
  • In the same year, 14.2% of U.S. households were classified as underbanked, meaning they held a bank account but also utilized alternative financial services. In 2024, the unbanked adult population was reported at 6%.

Consumer Credit (Accessing Liquidity, Building Credit)

  • The U.S. consumer credit market was valued at approximately $13.05 billion in 2024 and is projected to expand to $18.80 billion by 2033.
  • The outstanding balances on general-purpose credit cards in the U.S. reached approximately $1.071 trillion by the end of 2022.
  • An estimated one-third of Americans had "subprime" credit scores in 2021, highlighting a substantial market for credit-building products.

Retail Savings & Investments (Savings Products)

  • The total investments within the U.S. retail savings & investments market amounted to $66,055.8 billion in 2022.
  • Americans collectively hold approximately $11.334 trillion in savings, encompassing deposits, individual savings accounts, and retirement accounts.

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Expected Drivers of Future Revenue Growth for Chime Financial (CHYM)

Over the next 2-3 years, Chime Financial (CHYM) is expected to drive future revenue growth through several key initiatives:

  • Growth in Active Members: Chime aims to continue expanding its base of active members, particularly among the 75% of the adult population earning up to $100,000 annually. The company has demonstrated success in attracting new direct deposit relationships, and increasing its overall membership directly expands the pool for transaction-based revenue.
  • Increased Transaction Volume and Purchase Frequency per Member: With a payments-based business model, Chime primarily generates revenue from fees paid via card networks when members spend using their Chime-branded debit or credit cards. Encouraging existing members to increase their transaction volume and frequency, especially for non-discretionary expenses, will be a significant revenue driver.
  • Deepening Primary Financial Relationships: Establishing Chime as the central financial hub for more members, leading to consistent paycheck deposits and higher engagement, is crucial. This primary relationship status fosters durable, long-lasting connections and maximizes the opportunities for transaction-based revenue generation.
  • Expansion and Deeper Penetration of Credit and Liquidity Products: Leveraging recurring paycheck deposits through its platform, Chime is positioned to offer valuable short-term credit and liquidity products at scale. The expansion and increased adoption of these products will provide new avenues for revenue growth, capitalizing on the privileged repayment position associated with direct deposits.

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Share Repurchases

  • On November 5, 2025, Chime's board of directors authorized a share repurchase program for a specified dollar amount of its Class A common stock.

Share Issuance

  • Chime completed its Initial Public Offering (IPO) on June 12, 2025.
  • The company issued 25,900,765 shares of Class A common stock at $27.00 per share, raising approximately $699.3 million for the company.
  • The total IPO, which included shares sold by existing stockholders, raised $864 million and valued Chime at $11.6 billion.

Outbound Investments

  • In 2024, Chime acquired Fin portfolio company Salt Labs.

Peer Outperformance in Application Software

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Share of Application Software constituents that CHYM has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
91%
of 151 industry peers · 53.1% return
3Y
—
insufficient peer history
5Y
—
insufficient peer history
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Median price return by industry across the Information Technology sector, ranked by 5Y. Application Software is CHYM's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Electronic Manufacturing Services 10 8.7%105.3%182.1% FLEX 481% · TTMI 407% · JBL 298%
Technology Distributors 9 52.0%61.1%61.1% AVT 145% · SNX 122% · CNXN 79%
Semiconductor Materials & Equipment 28 37.5%48.1%42.4% AXTI 350% · KLAC 297% · LRCX 286%
Communications Equipment 36 6.5%99.5%38.9% AAOI 740% · LITE 541% · ANET 467%
Electronic Components 24 18.4%82.4%33.7% CLS 1885% · BELFA 1079% · APH 306%
Electronic Equipment & Instruments 27 -4.5%31.5%0.9% PI 135% · OSIS 106% · MIR 64%
Semiconductors 55 11.2%41.5%-4.2% MU 912% · AVGO 561% · NVDA 476%
Technology Hardware, Storage & Peripherals 21 9.7%81.0%-11.6% WDC 603% · DELL 551% · SMCI 534%
IT Consulting & Other Services 30 -14.4%0.2%-23.1% APLD 307% · IBM 145% · GIB -5%
Internet Services & Infrastructure 6 -8.9%41.0%-25.0% GDDY 59% · VRSN 37% · AKAM -24%
Application Software ← 126 -12.6%-11.4%-54.8% PLTR 650% · FROG 178% · AGYS 151%
Systems Software 71 -9.6%12.4%-59.8% ZETA 254% · CRWD 221% · CVLT 151%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

CHYMSOFIPYPLALLYCOFHOODMedian
NameChime Fi.SoFi Tec.PayPal Ally Fin.Capital .Robinhoo. 
Mkt Price32.5316.3658.8437.66196.1781.4948.25
Mkt Cap12.421.150.011.5119.473.235.6
Rev LTM2,6324,72934,2959,83963,0085,0827,460
Op Inc LTM48-6,350--2,3202,320
FCF LTM416-10,5466,2992,17726,2542,9702,574
FCF 3Y Avg--5,0166,30374722,9342,0842,084
CFO LTM454-10,2097,0934,95928,0103,0464,002
CFO 3Y Avg--4,7767,0634,15124,3852,1414,151

Growth & Margins

CHYMSOFIPYPLALLYCOFHOODMedian
NameChime Fi.SoFi Tec.PayPal Ally Fin.Capital .Robinhoo. 
Rev Chg LTM27.4%42.3%4.4%13.8%31.2%20.9%24.1%
Rev Chg 3Y Avg-34.2%5.6%2.5%20.7%43.7%20.7%
Rev Chg Q32.1%44.0%2.0%8.9%6.4%11.8%10.3%
QoQ Delta Rev Chg LTM7.1%9.8%0.5%2.2%1.6%3.0%2.6%
Op Inc Chg LTM104.7%-0.9%--16.0%16.0%
Op Inc Chg 3Y Avg--10.0%--156.8%83.4%
Op Mgn LTM1.8%-18.5%--45.7%18.5%
Op Mgn 3Y Avg--18.6%--38.4%28.5%
QoQ Delta Op Mgn LTM3.9%-0.1%---0.4%0.1%
CFO/Rev LTM17.2%-215.9%20.7%50.4%44.5%59.9%32.6%
CFO/Rev 3Y Avg--117.3%21.5%45.2%50.1%59.8%45.2%
FCF/Rev LTM15.8%-223.0%18.4%22.1%41.7%58.4%20.2%
FCF/Rev 3Y Avg--124.0%19.2%7.6%47.2%58.3%19.2%

Valuation

CHYMSOFIPYPLALLYCOFHOODMedian
NameChime Fi.SoFi Tec.PayPal Ally Fin.Capital .Robinhoo. 
Mkt Cap12.421.150.011.5119.473.235.6
P/S4.74.51.51.21.914.43.2
P/Op Inc257.8-7.9--31.531.5
P/EBIT257.8-8.1--31.531.5
P/E154.328.710.67.711.036.919.8
P/CFO27.3-2.17.02.34.324.05.7
Total Yield0.6%3.5%10.5%16.3%10.8%2.7%7.0%
Dividend Yield0.0%0.0%1.0%3.3%1.7%0.0%0.5%
FCF Yield 3Y Avg--26.0%10.6%6.6%25.2%4.8%6.6%
D/E0.00.20.32.10.40.30.3
Net D/E-0.1-0.20.1-0.2-0.00.1-0.0

Returns

CHYMSOFIPYPLALLYCOFHOODMedian
NameChime Fi.SoFi Tec.PayPal Ally Fin.Capital .Robinhoo. 
1M Rtn8.2%3.5%6.0%1.1%-1.6%-25.3%2.3%
3M Rtn2.5%-9.0%-0.0%-13.5%-10.2%-13.7%-9.6%
6M Rtn79.8%2.9%30.2%-10.7%7.6%4.1%5.9%
12M Rtn53.0%-46.4%-10.2%-1.2%-9.6%-40.0%-9.9%
3Y Rtn-12.3%135.7%8.6%62.0%95.4%890.2%78.7%
1M Excs Rtn10.1%10.7%8.3%3.6%0.8%-22.1%5.9%
3M Excs Rtn5.5%-6.2%2.2%-11.5%-8.9%-11.6%-7.6%
6M Excs Rtn77.7%0.9%28.2%-12.7%5.6%2.1%3.9%
12M Excs Rtn47.8%-54.2%-22.4%-13.4%-20.8%-49.7%-21.6%
3Y Excs Rtn-85.5%31.1%-67.3%-20.9%19.9%667.6%-0.5%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil2025202420232022
Single segment2,1871,6731,2781,009
Total2,1871,6731,2781,009


Price Behavior

Price Behavior
Market Price$32.54 
Market Cap ($ Bil)12.4 
First Trading Date06/12/2025 
Distance from 52W High-5.8% 
   50 Days200 Days
DMA Price$29.91$23.92
DMA Trendupup
Distance from DMA8.8%36.1%
 3M1YR
Volatility46.1%61.1%
Downside Capture147.56177.49
Upside Capture184.77209.18
Correlation (S&P 500)29.5%41.1%
CHYM Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta1.341.321.281.532.05-0.58
Up Beta-2.58-2.580.091.011.66-0.63
Down Beta2.061.974.122.021.97-0.28
Up Capture181%118%139%203%487%53%
Bmk +ve Days12182862130427
Stock +ve Days11193261128168
Down Capture84%216%29%126%151%104%
Bmk -ve Days10253664121325
Stock -ve Days10233164121177

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CHYM
CHYM60.3%61.1%1.00-
Sector ETF (XLK)17.8%28.5%0.5627.5%
Equity (SPY)12.7%13.7%0.6240.3%
Gold (GLD)0.3%28.9%0.0018.0%
Commodities (DBC)34.5%21.3%1.28-10.8%
Real Estate (VNQ)11.7%14.2%0.5315.3%
Bitcoin (BTCUSD)-27.7%43.5%-0.6327.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CHYM
CHYM-3.6%63.4%0.04-
Sector ETF (XLK)16.6%26.5%0.5727.0%
Equity (SPY)11.6%17.3%0.5039.6%
Gold (GLD)17.2%19.1%0.7212.1%
Commodities (DBC)7.4%19.6%0.26-11.5%
Real Estate (VNQ)1.4%18.9%-0.0415.3%
Bitcoin (BTCUSD)3.4%51.5%0.2528.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CHYM
CHYM-1.8%63.4%0.04-
Sector ETF (XLK)22.9%25.3%0.8327.0%
Equity (SPY)15.2%18.0%0.7139.6%
Gold (GLD)11.7%16.6%0.5812.1%
Commodities (DBC)7.5%18.1%0.33-11.5%
Real Estate (VNQ)5.9%20.7%0.2415.3%
Bitcoin (BTCUSD)59.5%66.3%0.9928.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10302026
Short Interest: Shares Quantity23.8 Mil
Short Interest: % Change Since 10152026-5.4%
Average Daily Volume2.6 Mil
Days-to-Cover Short Interest9.3 days
Basic Shares Quantity380.7 Mil
Short % of Basic Shares6.3%

Earnings Returns History

Updated 11/9/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/4/20261.0%  
8/5/202620.6%21.9%29.8%
5/6/2026-12.5%-20.0%-19.6%
2/25/202613.5%6.7%-15.9%
11/5/2025-5.4%5.6%25.1%
8/7/2025-14.7%-13.6%-27.8%
SUMMARY STATS   
# Positive332
# Negative323
Median Positive13.5%6.7%27.5%
Median Negative-12.5%-16.8%-19.6%
Max Positive20.6%21.9%29.8%
Max Negative-14.7%-20.0%-27.8%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
11/4/20261.0%  
8/5/202620.6%21.9%29.8%
5/6/2026-12.5%-20.0%-19.6%
2/25/202613.5%6.7%-15.9%
11/5/2025-5.4%5.6%25.1%
8/7/2025-14.7%-13.6%-27.8%
SUMMARY STATS   
# Positive332
# Negative323
Median Positive13.5%6.7%27.5%
Median Negative-12.5%-16.8%-19.6%
Max Positive20.6%21.9%29.8%
Max Negative-14.7%-20.0%-27.8%

SEC Filings

Expand for More
Report DateFiling DateFiling
09/30/202611/05/202610-Q
06/30/202608/06/202610-Q
03/31/202605/07/202610-Q
12/31/202503/06/202610-K
09/30/202511/10/202510-Q
06/30/202508/11/202510-Q
03/31/202506/12/2025424B4
12/31/202301/29/2025DRS/A
Collapse to Preview
Report DateFiling DateFiling
09/30/202611/05/202610-Q
06/30/202608/06/202610-Q
03/31/202605/07/202610-Q
12/31/202503/06/202610-K
09/30/202511/10/202510-Q
06/30/202508/11/202510-Q
03/31/202506/12/2025424B4
12/31/202301/29/2025DRS/A

Recent Forward Guidance

Updated 11/5/2026

Latest: Q3 2026 Earnings Reported 11/4/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q4 2026 RevenueReported757.00 Mil762.00 Mil767.00 Mil11.2% Higher NewGuidance: 685.00 Mil for Q3 2026
Q4 2026 Revenue GrowthReported27.0%28.0%29.0%   
Q4 2026 Adjusted EBITDAReported161.00 Mil163.50 Mil166.00 Mil52.1% Higher NewGuidance: 107.50 Mil for Q3 2026
Q4 2026 Adjusted EBITDA MarginReported21.0%21.5%22.0%   
2026 RevenueReported2.79 Bil2.80 Bil2.80 Bil2.3% RaisedGuidance: 2.73 Bil for 2026
2026 Revenue GrowthReported 28.0%    
2026 Adjusted EBITDAReported519.00 Mil521.50 Mil524.00 Mil11.0% RaisedGuidance: 470.00 Mil for 2026
2026 Adjusted EBITDA MarginReported 19.0%    


Prior: Q2 2026 Earnings Reported 8/5/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q3 2026 RevenueReported680.00 Mil685.00 Mil690.00 Mil7.4% Higher NewGuidance: 638.00 Mil for Q2 2026
Q3 2026 Instant Loans Annualized Revenue Run RateReported 100.00 Mil    
Q3 2026 Adjusted EBITDAReported105.00 Mil107.50 Mil110.00 Mil44.3% Higher NewGuidance: 74.50 Mil for Q2 2026
2026 RevenueReported2.73 Bil2.73 Bil2.75 Bil2.2% RaisedGuidance: 2.67 Bil for 2026
2026 Adjusted EBITDAReported465.00 Mil470.00 Mil475.00 Mil11.0% RaisedGuidance: 423.50 Mil for 2026

Q1 2026 Earnings Reported 5/6/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q2 2026 RevenueReported633.00 Mil638.00 Mil643.00 Mil   
Q2 2026 Revenue GrowthReported20.0%21.0%22.0%   
Q2 2026 Adjusted EBITDAReported72.00 Mil74.50 Mil77.00 Mil   
Q2 2026 Adjusted EBITDA MarginReported11.0%11.5%12.0%   
2026 RevenueReported2.66 Bil2.67 Bil2.69 Bil0.9% RaisedGuidance: 2.65 Bil for 2026
2026 Revenue GrowthReported22.0%22.5%23.0% 1.5%RaisedGuidance: 21.0% for 2026
2026 Adjusted EBITDAReported416.00 Mil423.50 Mil431.00 Mil8.6% RaisedGuidance: 390.00 Mil for 2026
2026 Adjusted EBITDA MarginReported 16.0%  1.5%RaisedGuidance: 14.5% for 2026

Q4 2025 Earnings Reported 2/25/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q1 2026 RevenueReported627.00 Mil632.00 Mil637.00 Mil9.5% Higher NewActual: 577.00 Mil for Q4 2025
Q1 2026 Revenue GrowthReported21.0%22.0%23.0% 0.5%Higher NewActual: 21.5% for Q4 2025
Q1 2026 Adjusted EBITDAReported90.00 Mil92.50 Mil95.00 Mil103.3% Higher NewActual: 45.50 Mil for Q4 2025
Q1 2026 Adjusted EBITDA MarginReported14.0%14.5%15.0% 6.5%Higher NewActual: 8.0% for Q4 2025
2026 RevenueReported2.63 Bil2.65 Bil2.67 Bil22.2% Higher NewActual: 2.17 Bil for 2025
2026 Revenue GrowthReported20.0%21.0%22.0% -8.5%Lower NewActual: 29.5% for 2025
2026 Adjusted EBITDAReported380.00 Mil390.00 Mil400.00 Mil237.7% Higher NewActual: 115.50 Mil for 2025
2026 Adjusted EBITDA MarginReported14.0%14.5%15.0% 9.5%Higher NewActual: 5.0% for 2025

Insider Activity

Updated 11/9/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Dst, Global Advisors Ltd DST Global VI, L.P.Sell1109202631.13603,75518,793,788494,253,608Form
2Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell1109202631.13310,1869,655,523253,928,145Form
3Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell1109202631.1352,0681,620,78242,624,303Form
4Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell1109202631.1362,9191,958,55351,508,029Form
5Dst, Global Advisors Ltd DST Global VII, L.P.Sell1109202631.13182,7415,688,393149,597,818Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Dst, Global Advisors Ltd DST Global VI, L.P.Sell1109202631.13603,75518,793,788494,253,608Form
2Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell1109202631.13310,1869,655,523253,928,145Form
3Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell1109202631.1352,0681,620,78242,624,303Form
4Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell1109202631.1362,9191,958,55351,508,029Form
5Dst, Global Advisors Ltd DST Global VII, L.P.Sell1109202631.13182,7415,688,393149,597,818Form
6Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell1109202631.1395,0252,957,95477,790,878Form
7Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell1109202631.1312,333383,90310,096,881Form
8Dst, Global Advisors Ltd DST Global VI, L.P.Sell1109202631.13603,75518,793,788494,253,608Form
9Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell1109202631.13310,1869,655,523253,928,145Form
10Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell1109202631.1352,0681,620,78242,624,303Form
11Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell1109202631.1362,9191,958,55351,508,029Form
12Dst, Global Advisors Ltd DST Global VII, L.P.Sell1109202631.13182,7415,688,393149,597,818Form
13Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell1109202631.1395,0252,957,95477,790,878Form
14Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell1109202631.1312,333383,90310,096,881Form
15Dst, Global Advisors Ltd DST Global VI, L.P.Sell1109202632.104,916157,784528,998,954Form
16Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell1109202632.102,52681,074271,778,946Form
17Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell1109202632.1042413,60945,620,741Form
18Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell1109202632.1051216,43355,128,956Form
19Dst, Global Advisors Ltd DST Global VII, L.P.Sell1109202632.101,48847,759160,114,330Form
20Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell1109202632.1077424,84283,259,463Form
21Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell1109202632.101003,21010,806,659Form
22Dst, Global Advisors Ltd DST Global VI, L.P.Sell1109202632.104,916157,784528,998,954Form
23Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell1109202632.102,52681,074271,778,946Form
24Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell1109202632.1042413,60945,620,741Form
25Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell1109202632.1051216,43355,128,956Form
26Dst, Global Advisors Ltd DST Global VII, L.P.Sell1109202632.101,48847,759160,114,330Form
27Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell1109202632.1077424,84283,259,463Form
28Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell1109202632.101003,21010,806,659Form
29King, Ryan ACo-FounderSee footnoteSell1106202631.3263,3821,985,0701,184,239Form
30King, Ryan ACo-FounderSee footnoteSell1022202631.0311,318351,1621,173,189Form
31King, Ryan ACo-FounderSee footnoteSell1013202631.00300  Form
32King, Ryan ACo-FounderSee footnoteSell1013202629.4050,000  Form
33Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell916202631.7195,4003,025,507208,065,661Form
34Feuille, JamesCrosslink Ventures VII Holdings, LLCSell916202632.70161,437  Form
35Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell916202633.2195,4003,167,996221,032,673Form
36Frankel, Adam BGeneral CounselDirectSell916202633.31102,0023,397,60612,152,132Form
37Dst, Global Advisors Ltd DST Global VI, L.P.Sell916202633.991,472,13650,034,087560,339,797Form
38Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell916202633.99756,32625,705,561287,880,656Form
39Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell916202633.99126,9574,314,93948,323,568Form
40Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell916202633.99153,4175,214,24658,395,092Form
41Dst, Global Advisors Ltd DST Global VII, L.P.Sell916202633.99445,57815,144,041169,600,395Form
42Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell916202633.99231,7017,874,91788,192,228Form
43Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell916202633.9930,0741,022,13711,446,891Form
44Dst, Global Advisors Ltd DST Global VI, L.P.Sell916202633.991,472,13650,034,087560,339,797Form
45Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell916202633.99756,32625,705,561287,880,656Form
46Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell916202633.99126,9574,314,93948,323,568Form
47Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell916202633.99153,4175,214,24658,395,092Form
48Dst, Global Advisors Ltd DST Global VII, L.P.Sell916202633.99445,57815,144,041169,600,395Form
49Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell916202633.99231,7017,874,91788,192,228Form
50Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell916202633.9930,0741,022,13711,446,891Form
51Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell916202634.0995,4003,251,883230,137,413Form
52Dst, Global Advisors Ltd DST Global VI, L.P.Sell915202633.0794,9843,141,273593,927,044Form
53Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell915202633.0748,8001,613,894305,136,473Form
54Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell915202633.078,191270,88951,220,137Form
55Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell915202633.079,899327,37661,895,351Form
56Dst, Global Advisors Ltd DST Global VII, L.P.Sell915202633.0728,749950,775179,766,403Form
57Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell915202633.0714,950494,42093,478,564Form
58Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell915202633.071,94064,15912,133,044Form
59Dst, Global Advisors Ltd DST Global VI, L.P.Sell915202633.0794,9843,141,273593,927,044Form
60Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell915202633.0748,8001,613,894305,136,473Form
61Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell915202633.078,191270,88951,220,137Form
62Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell915202633.079,899327,37661,895,351Form
63Dst, Global Advisors Ltd DST Global VII, L.P.Sell915202633.0728,749950,775179,766,403Form
64Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell915202633.0714,950494,42093,478,564Form
65Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell915202633.071,94064,15912,133,044Form
66Carolan, Shawn TMenlo Inflection II, L.P.Sell914202633.05272,437  Form
67Carolan, Shawn TMM Inflection, L.P.Sell914202633.052,770  Form
68Carolan, Shawn TMenlo Entrepreneurs Inflection Fund, L.P.Sell914202633.051,800  Form
69Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell914202633.0397,3083,213,947226,143,753Form
70Feuille, JamesCrosslink Ventures VII Holdings, LLCSell914202632.89161,0905,298,2021,131,767Form
71Marshall, Cynthia DirectSell914202633.0920,000661,866944,748Form
72Carolan, Shawn TMenlo Inflection II, L.P.Sell914202633.21297,3189,872,4749,046,298Form
73Carolan, Shawn TMM Inflection, L.P.Sell914202633.213,023100,37991,978Form
74Carolan, Shawn TMenlo Entrepreneurs Inflection Fund, L.P.Sell914202633.211,96565,24859,769Form
75Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell914202633.1593,4923,099,035230,184,061Form
76Dst, Global Advisors Ltd DST Global VI, L.P.Sell911202635.0327,294956,013632,361,706Form
77Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell911202635.0314,023491,177324,882,732Form
78Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell911202635.032,35482,45254,534,719Form
79Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell911202635.032,84499,61565,900,784Form
80Dst, Global Advisors Ltd DST Global VII, L.P.Sell911202635.038,261289,354191,399,577Form
81Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell911202635.034,296150,47499,527,835Form
82Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell911202635.0355819,54512,918,194Form
83Dst, Global Advisors Ltd DST Global VI, L.P.Sell911202635.0327,294956,013632,361,706Form
84Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell911202635.0314,023491,177324,882,732Form
85Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell911202635.032,35482,45254,534,719Form
86Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell911202635.032,84499,61565,900,784Form
87Dst, Global Advisors Ltd DST Global VII, L.P.Sell911202635.038,261289,354191,399,577Form
88Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell911202635.034,296150,47499,527,835Form
89Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell911202635.0355819,54512,918,194Form
90King, Ryan ACo-FounderSee footnoteSell910202635.1542,421  Form
91Asmerom, AmineChief Accounting OfficerDirectSell909202632.9419,505642,5299,255,811Form
92Britt, Christopher RChief Executive OfficerSee footnoteSell903202632.04200,000  Form
93Britt, Christopher RChief Executive OfficerSee footnoteSell901202634.03100,000  Form
94Dst, Global Advisors Ltd DST Global VI, L.P.Sell828202633.04534,93017,674,301597,406,843Form
95Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell828202633.04274,8279,080,394306,924,302Form
96Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell828202633.0446,1331,524,25351,520,226Form
97Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell828202633.0455,7471,841,90362,257,993Form
98Dst, Global Advisors Ltd DST Global VII, L.P.Sell828202633.04161,9095,349,538180,819,635Form
99Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell828202633.0484,1932,781,77094,026,271Form
100Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell828202633.0410,928361,06512,204,133Form
101Dst, Global Advisors Ltd DST Global VI, L.P.Sell828202633.04534,93017,674,301597,406,843Form
102Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell828202633.04274,8279,080,394306,924,302Form
103Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell828202633.0446,1331,524,25351,520,226Form
104Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell828202633.0455,7471,841,90362,257,993Form
105Dst, Global Advisors Ltd DST Global VII, L.P.Sell828202633.04161,9095,349,538180,819,635Form
106Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell828202633.0484,1932,781,77094,026,271Form
107Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell828202633.0410,928361,06512,204,133Form
108Dst, Global Advisors Ltd DST Global VI, L.P.Sell826202633.0637,0371,224,458615,453,464Form
109Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell826202633.0619,028629,073316,195,980Form
110Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell826202633.063,194105,59553,076,588Form
111Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell826202633.063,860127,61364,138,697Form
112Dst, Global Advisors Ltd DST Global VII, L.P.Sell826202633.0611,210370,607186,281,865Form
113Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell826202633.065,829192,70996,866,641Form
114Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell826202633.0675624,99412,572,804Form
115Dst, Global Advisors Ltd DST Global VI, L.P.Sell826202633.0637,0371,224,458615,453,464Form
116Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell826202633.0619,028629,073316,195,980Form
117Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell826202633.063,194105,59553,076,588Form
118Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell826202633.063,860127,61364,138,697Form
119Dst, Global Advisors Ltd DST Global VII, L.P.Sell826202633.0611,210370,607186,281,865Form
120Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell826202633.065,829192,70996,866,641Form
121Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell826202633.0675624,99412,572,804Form
122Dst, Global Advisors Ltd DST Global VI, L.P.Sell826202633.09812,48726,885,937617,247,093Form
123Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell826202633.09417,42313,812,908317,117,470Form
124Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell826202633.0970,0682,318,61453,231,267Form
125Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell826202633.0984,6722,801,87464,325,628Form
126Dst, Global Advisors Ltd DST Global VII, L.P.Sell826202633.09245,9198,137,684186,824,742Form
127Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell826202633.09127,8774,231,56797,148,934Form
128Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell826202633.0916,598549,24312,609,426Form
129Dst, Global Advisors Ltd DST Global VI, L.P.Sell826202633.09812,48726,885,937617,247,093Form
130Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell826202633.09417,42313,812,908317,117,470Form
131Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell826202633.0970,0682,318,61453,231,267Form
132Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell826202633.0984,6722,801,87464,325,628Form
133Dst, Global Advisors Ltd DST Global VII, L.P.Sell826202633.09245,9198,137,684186,824,742Form
134Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell826202633.09127,8774,231,56797,148,934Form
135Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell826202633.0916,598549,24312,609,426Form
136Dst, Global Advisors Ltd DST Global VI, L.P.Sell824202632.71216,8227,091,229636,626,849Form
137Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell824202632.71111,3953,643,207327,073,997Form
138Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell824202632.7118,699611,55654,902,551Form
139Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell824202632.7122,596739,00966,345,252Form
140Dst, Global Advisors Ltd DST Global VII, L.P.Sell824202632.7165,6272,146,351192,690,503Form
141Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell824202632.7134,1261,116,101100,199,097Form
142Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell824202632.714,429144,85213,005,328Form
143Dst, Global Advisors Ltd DST Global VI, L.P.Sell824202632.71216,8227,091,229636,626,849Form
144Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell824202632.71111,3953,643,207327,073,997Form
145Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell824202632.7118,699611,55654,902,551Form
146Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell824202632.7122,596739,00966,345,252Form
147Dst, Global Advisors Ltd DST Global VII, L.P.Sell824202632.7165,6272,146,351192,690,503Form
148Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell824202632.7134,1261,116,101100,199,097Form
149Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell824202632.714,429144,85213,005,328Form
150Dst, Global Advisors Ltd DST Global VI, L.P.Sell824202633.02175,3245,789,400649,934,769Form
151Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell824202633.0290,0742,974,347333,911,103Form
152Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell824202633.0215,120499,28056,050,241Form
153Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell824202633.0218,271603,33067,732,139Form
154Dst, Global Advisors Ltd DST Global VII, L.P.Sell824202633.0253,0661,752,300196,718,489Form
155Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell824202633.0227,594911,186102,293,672Form
156Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell824202633.023,582118,28213,277,167Form
157Dst, Global Advisors Ltd DST Global VI, L.P.Sell824202633.02175,3245,789,400649,934,769Form
158Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell824202633.0290,0742,974,347333,911,103Form
159Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell824202633.0215,120499,28056,050,241Form
160Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell824202633.0218,271603,33067,732,139Form
161Dst, Global Advisors Ltd DST Global VII, L.P.Sell824202633.0253,0661,752,300196,718,489Form
162Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell824202633.0227,594911,186102,293,672Form
163Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell824202633.023,582118,28213,277,167Form
164Dst, Global Advisors Ltd DST Global VI, L.P.Sell820202632.662,039,70666,612,925648,514,846Form
165Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell820202632.661,047,91934,223,045333,181,574Form
166Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell820202632.66175,9035,744,65855,927,782Form
167Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell820202632.66212,5656,941,96967,584,145Form
168Dst, Global Advisors Ltd DST Global VII, L.P.Sell820202632.66617,36620,162,001196,288,709Form
169Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell820202632.66321,03010,484,230102,070,152Form
170Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell820202632.6641,6681,360,79813,248,185Form
171Dst, Global Advisors Ltd DST Global VI, L.P.Sell820202632.662,039,70666,612,925648,514,846Form
172Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell820202632.661,047,91934,223,045333,181,574Form
173Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell820202632.66175,9035,744,65855,927,782Form
174Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell820202632.66212,5656,941,96967,584,145Form
175Dst, Global Advisors Ltd DST Global VII, L.P.Sell820202632.66617,36620,162,001196,288,709Form
176Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell820202632.66321,03010,484,230102,070,152Form
177Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell820202632.6641,6681,360,79813,248,185Form
178Dst, Global Advisors Ltd DST Global VI, L.P.Sell820202632.21161,9495,216,831705,376,824Form
179Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell820202632.2183,2032,680,202362,394,966Form
180Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell820202632.2113,967449,91660,831,521Form
181Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell820202632.2116,877543,65573,509,932Form
182Dst, Global Advisors Ltd DST Global VII, L.P.Sell820202632.2149,0181,579,007213,499,352Form
183Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell820202632.2125,489821,072111,019,676Form
184Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell820202632.213,309106,59214,409,784Form
185Dst, Global Advisors Ltd DST Global VI, L.P.Sell820202632.21161,9495,216,831705,376,824Form
186Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell820202632.2183,2032,680,202362,394,966Form
187Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell820202632.2113,967449,91660,831,521Form
188Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell820202632.2116,877543,65573,509,932Form
189Dst, Global Advisors Ltd DST Global VII, L.P.Sell820202632.2149,0181,579,007213,499,352Form
190Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell820202632.2125,489821,072111,019,676Form
191Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell820202632.213,309106,59214,409,784Form
192Dst, Global Advisors Ltd DST Global VI, L.P.Sell817202632.18240,1527,729,100709,962,758Form
193Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell817202632.18123,3813,970,919364,751,038Form
194Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell817202632.1820,710666,53561,227,029Form
195Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell817202632.1825,027805,47473,987,839Form
196Dst, Global Advisors Ltd DST Global VII, L.P.Sell817202632.1872,6882,339,405214,887,402Form
197Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell817202632.1837,7981,216,498111,741,450Form
198Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell817202632.184,905157,86414,503,488Form
199Dst, Global Advisors Ltd DST Global VI, L.P.Sell817202632.18240,1527,729,100709,962,758Form
200Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell817202632.18123,3813,970,919364,751,038Form
201Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell817202632.1820,710666,53561,227,029Form
202Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell817202632.1825,027805,47473,987,839Form
203Dst, Global Advisors Ltd DST Global VII, L.P.Sell817202632.1872,6882,339,405214,887,402Form
204Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell817202632.1837,7981,216,498111,741,450Form
205Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell817202632.184,905157,86414,503,488Form
206Dst, Global Advisors Ltd DST Global VI, L.P.Sell817202632.14326,49210,495,020716,813,257Form
207Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell817202632.14167,7395,391,937368,270,566Form
208Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell817202632.1428,156905,06961,817,793Form
209Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell817202632.1434,0251,093,72774,701,751Form
210Dst, Global Advisors Ltd DST Global VII, L.P.Sell817202632.1498,8213,176,581216,960,878Form
211Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell817202632.1451,3871,651,825112,819,665Form
212Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell817202632.146,669214,37414,643,403Form
213Dst, Global Advisors Ltd DST Global VI, L.P.Sell817202632.14326,49210,495,020716,813,257Form
214Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell817202632.14167,7395,391,937368,270,566Form
215Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell817202632.1428,156905,06961,817,793Form
216Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell817202632.1434,0251,093,72774,701,751Form
217Dst, Global Advisors Ltd DST Global VII, L.P.Sell817202632.1498,8213,176,581216,960,878Form
218Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell817202632.1451,3871,651,825112,819,665Form
219Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell817202632.146,669214,37414,643,403Form
220Dst, Global Advisors Ltd DST Global VI, L.P.Sell813202632.0192529,608724,226,616Form
221Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell813202632.0147515,204372,079,265Form
222Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell813202632.01802,56162,457,101Form
223Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell813202632.01973,10575,474,326Form
224Dst, Global Advisors Ltd DST Global VII, L.P.Sell813202632.012808,962219,204,719Form
225Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell813202632.011464,673113,986,466Form
226Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell813202632.011960814,794,823Form
227Dst, Global Advisors Ltd DST Global VI, L.P.Sell813202632.0192529,608724,226,616Form
228Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell813202632.0147515,204372,079,265Form
229Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell813202632.01802,56162,457,101Form
230Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell813202632.01973,10575,474,326Form
231Dst, Global Advisors Ltd DST Global VII, L.P.Sell813202632.012808,962219,204,719Form
232Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell813202632.011464,673113,986,466Form
233Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell813202632.011960814,794,823Form
234Dst, Global Advisors Ltd DST Global VI, L.P.Sell813202632.11475,71715,273,560726,469,137Form
235Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell813202632.11244,4057,846,965373,231,378Form
236Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell813202632.1141,0261,317,19762,650,503Form
237Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell813202632.1149,5761,591,70775,708,047Form
238Dst, Global Advisors Ltd DST Global VII, L.P.Sell813202632.11143,9874,622,904219,883,474Form
239Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell813202632.1174,8732,403,902114,339,431Form
240Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell813202632.119,719312,04214,840,638Form
241Dst, Global Advisors Ltd DST Global VI, L.P.Sell813202632.11475,71715,273,560726,469,137Form
242Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell813202632.11244,4057,846,965373,231,378Form
243Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell813202632.1141,0261,317,19762,650,503Form
244Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell813202632.1149,5761,591,70775,708,047Form
245Dst, Global Advisors Ltd DST Global VII, L.P.Sell813202632.11143,9874,622,904219,883,474Form
246Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell813202632.1174,8732,403,902114,339,431Form
247Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell813202632.119,719312,04214,840,638Form
248Britt, Christopher RChief Executive OfficerSee footnoteSell810202630.16150,000  Form
249Britt, Christopher RChief Executive OfficerSee footnoteSell810202630.50200,000  Form
250Dst, Global Advisors Ltd DST Global VI, L.P.Sell810202632.62822,16726,819,186753,610,990Form
251Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell810202632.62422,39713,778,641387,175,809Form
252Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell810202632.6270,9042,312,89764,991,210Form
253Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell810202632.6285,6812,794,92478,536,592Form
254Dst, Global Advisors Ltd DST Global VII, L.P.Sell810202632.62248,8498,117,484228,098,606Form
255Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell810202632.62129,4024,221,109118,611,286Form
256Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell810202632.6216,796547,88815,395,134Form
257Dst, Global Advisors Ltd DST Global VI, L.P.Sell810202632.62822,16726,819,186753,610,990Form
258Dst, Global Advisors Ltd DST Investments XXI, L.P.Sell810202632.62422,39713,778,641387,175,809Form
259Dst, Global Advisors Ltd DSTG VI Investments, L.P.Sell810202632.6270,9042,312,89764,991,210Form
260Dst, Global Advisors Ltd DSTG VI Investments-A, L.P.Sell810202632.6285,6812,794,92478,536,592Form
261Dst, Global Advisors Ltd DST Global VII, L.P.Sell810202632.62248,8498,117,484228,098,606Form
262Dst, Global Advisors Ltd DSTG VII Investments-1, L.P.Sell810202632.62129,4024,221,109118,611,286Form
263Dst, Global Advisors Ltd DSTG VII Investments-4, L.P.Sell810202632.6216,796547,88815,395,134Form
264Britt, Christopher RChief Executive OfficerSee footnoteSell810202629.19200,000  Form
265King, Ryan ACo-FounderSee footnoteSell810202630.27375,000  Form
266Newcomb, Matthew SChief Financial OfficerSee footnoteSell810202630.1765,0001,961,00066,857,127Form
267Asmerom, AmineChief Accounting OfficerDirectSell810202630.0010,000300,0006,508,380Form
268Asmerom, AmineChief Accounting OfficerDirectSell805202625.0010,000250,0005,673,650Form
269Frankel, Adam BGeneral CounselDirectSell616202617.503,00052,5005,316,412Form
270Frankel, Adam BGeneral CounselDirectSell610202618.003,00054,0005,522,310Form
271Marshall, Cynthia DirectSell303202622.2835,000779,674841,937Form
272Frankel, Adam BGeneral CounselDirectSell109202627.294,382119,5715,716,606Form
273Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell1218202524.827,229179,424174,675,888Form
274Feuille, JamesCrosslink Crossover Fund VI, L.P.Sell1215202527.12176,1684,778,332191,084,880Form
275Frankel, Adam BGeneral CounselDirectSell1212202527.0050013,5006,815,232Form
276Frankel, Adam BGeneral CounselDirectSell1211202525.501,00025,5006,436,608Form
277Frankel, Adam BGeneral CounselDirectSell1210202523.846,760161,1755,827,464Form
278Asmerom, AmineChief Accounting OfficerDirectSell1201202520.3134,589702,6034,512,917Form
279Asmerom, AmineChief Accounting OfficerDirectSell1201202520.0550,0001,002,3705,147,350Form

Investor Activity (13F)

Updated Nov 11, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Menlo Ventures Management, L.P.$326.7 Mil100.0%3New13F
Galileo (PTC) Ltd$979.0 Mil96.0%3Hold13F
Crosslink Capital Inc$490.5 Mil48.0%21Hold13F
Orland Properties Ltd$86.3 Mil32.4%10Hold13F
Light Street Capital Management, LLC$38.9 Mil7.8%23TRIM -23.3%13F
Greenhouse Funds LLLP$64.1 Mil3.0%28Hold13F
Dragoneer Investment Group, LLC $80.7 Mil2.7%17TRIM -49.6%13F
Scge Management, L.P.$78.3 Mil2.4%21TRIM -5.4%13F
Patient Capital Management, LLC$54.0 Mil2.0%38ADD +41.6%13F
Spyglass Capital Management LLC$24.3 Mil1.7%25New13F
Softbank Group Corp.$94.9 Mil0.8%31Hold13F
Comprehensive Financial Management LLC$10.4 Mil0.3%38Hold13F
SC US (TTGP), LTD.$27.2 Mil0.3%36Hold13F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Menlo Ventures Management, L.P.$326.7 Mil100.0%3New13F
Spyglass Capital Management LLC$24.3 Mil1.7%25New13F
Patient Capital Management, LLC$54.0 Mil2.0%38ADD +41.6%13F
Active ManagerValue% of PortfolioTotal PositionsQoQAs OfFiling
Msop GP, L.L.C.$439.0 Mil99.9%3ExitedDec 31, 202513F
Owls Nest Partners IA, LLC$47.1 Mil13.0%13ExitedDec 31, 202513F
Dragoneer Investment Group, LLC $80.7 Mil2.7%17TRIM -49.6%Mar 31, 202613F
Light Street Capital Management, LLC$38.9 Mil7.8%23TRIM -23.3%Mar 31, 202613F
Scge Management, L.P.$78.3 Mil2.4%21TRIM -5.4%Mar 31, 202613F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Galileo (PTC) Ltd$979.0 Mil96.0%3Hold13F
Crosslink Capital Inc$490.5 Mil48.0%21Hold13F
Menlo Ventures Management, L.P.$326.7 Mil100.0%3New13F
Softbank Group Corp.$94.9 Mil0.8%31Hold13F
Orland Properties Ltd$86.3 Mil32.4%10Hold13F
Dragoneer Investment Group, LLC $80.7 Mil2.7%17TRIM -49.6%13F
Scge Management, L.P.$78.3 Mil2.4%21TRIM -5.4%13F
Greenhouse Funds LLLP$64.1 Mil3.0%28Hold13F
Patient Capital Management, LLC$54.0 Mil2.0%38ADD +41.6%13F
Light Street Capital Management, LLC$38.9 Mil7.8%23TRIM -23.3%13F
SC US (TTGP), LTD.$27.2 Mil0.3%36Hold13F
Spyglass Capital Management LLC$24.3 Mil1.7%25New13F
Comprehensive Financial Management LLC$10.4 Mil0.3%38Hold13F
Core Cache Last Updated: 11/10/2026